What Is a Loan-to-Deposit Ratio?

The loan-to-deposit ratio, which is the ratio of loan assets to deposit liabilities in the bank's balance sheet, is also called the loan-to-deposit ratio.

Loan-to-deposit ratio

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Loan-to-deposit ratio
Under normal circumstances, the loan-to-deposit ratio is 50%, and at least 50% of the deposits are converted into loans.
The main factors affecting the change in the loan-to-deposit ratio include the state's ceiling management of the bank's loan-to-deposit ratio (which will be gradually liberalized), the state's macro-control policies for loan growth, deposits due to changes in interest rates, or residents' widening investment and financial channels (such as More deposits into the stock market will increase the bank's loan-to-deposit ratio), and different asset quality conditions and operating strategies of various banks.

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